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Tin Leg Travel Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Apr 6, 2018

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Tin Leg Travel Insurance
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Tin Leg has been operating in the travel insurance industry for only a few years but brings a simple and straightforward approach to the market. They promise comprehensive coverage at a reasonable price, with three levels of package policy to choose from.

About Tin Leg

Tin Leg was founded in 2014 by Squaremouth, a company dedicated to helping travelers shop for and compare travel insurance policies and rates. Although they have now added their own offerings to the table, the company continues to invite consumers to compare their rates with those of other companies. This follows on the success of big-name insurer Progressive’s price-comparison tool for auto insurance and gives the insurance consumer a feeling of honesty and transparency.

Package policies from Tin Leg are offered at three levels, with the goal of including basic trip protection along with high emergency medical coverage limits. Policies are underwritten by Berkshire Hathaway Specialty Insurance Company, part of a very large and financially stable insurance group.

Tin Leg’s headquarters is located within the Squaremouth offices in St. Petersburg, Florida. Policies are sold online through the Tin Leg site as well as through Squaremouth’s website.

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Tin Leg Travel Packages

There are three levels of travel package available from Tin Leg, each with increased coverage and more benefits. There is very little in the way of add-on options for these policies, as part of the company’s goal of keeping things simple. The only add-on option is rental car coverage, and this can only be elected with the highest-level Luxury package.

Tin Leg Economy

The Tin Leg Economy package is the base-level plan that is a budget option for travelers looking to cover the basic risks. It includes trip cancellation and interruption coverage at 100% of trip cost.

Medical coverage on this plan is $20,000 but excludes pre-existing conditions and is considered secondary coverage. $100,000 of medical evacuation coverage is also included with this package. This plan includes cancellation for medical reasons.

Tin Leg Standard

The Tin Leg Standard plan is a mid-range option that increases several benefit amounts and also adds several benefits not included with the Economy plan. Trip interruption on this plan is increased to 150%.

Added coverage includes terrorism (both foreign and domestic), financial default, and employment layoff. Medical coverage is increased to $30,000 but remains secondary. Pre-existing conditions are covered when purchased within 15 days of trip deposit. Medical evacuation is doubled to $200,000.

The Standard plan also includes Flight Only Accidental Death & Dismemberment coverage of $25,000 and identity theft coverage.

Tin Leg Luxury

The Luxury plan offers the most coverage of all three and is the only plan that allows cancellation for work reasons along with all of the other coverages. In most areas, it offers the same limits as the Standard plan, including for trip cancellation and interruption, delay, and baggage. It does offer higher coverage in other areas, mainly medical.

This plan kicks up medical coverage to $100,000 and is the only plan for which this coverage is primary. It also increases the medical evacuation coverage to $250,000. Flight Only Accidental Death and Dismemberment is doubled to $50,000.

This plan is the only one with the option to add rental car coverage, as previously mentioned.

Plan Rates

We ran a quote based on a 7-day trip valued at $5,000, with a single 30-year-old traveler headed to the U.K.

The Economy plan rate came back at $131, the Standard at $142, and the Luxury at $181.

Interestingly, the plans with less coverage came in at rates comparable to other companies, while the Luxury came in considerably less than what we see elsewhere for a top-end plan. That said, Tin Leg’s top tier of coverage still has lower limits than many top-end plans from other companies, where we frequently see medical emergency coverage at least double and medical evacuation up to quadruple the amount of the Luxury plan.

Because they are linked with Squaremouth, running a quote for Tin Leg automatically returns quotes from a variety of companies, listing a few of the coverage basics of the plan along with the rate. A quick look shows that several companies offer better coverage at similar or lower rates, which is in line with our sample rates as well.

Claims

Like most travel insurance companies, Tin Leg has a 24/7 assistance line to provide fast help when a policyholder is in need. Claims, however, are not handled through this line.

There is a toll-free claim reporting line that can be reached during business hours, listed as Monday through Friday, 9 am to 5 pm ET. Claims can also be reported anytime online.

The claims page features the “Tin Leg Claims Promise”, which states that most claims will be completed within 15 days and that the insured will be contacted with updates every five days. The company promises a transparent and straightforward claims process.

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Ratings and Consumer Reviews

Tin Leg does not have its own Better Business Bureau (BBB) file but is instead included as part of the Squaremouth page. This page states what appears to be outdated information about Tin Leg, including that policies are underwritten by American Modern, which is no longer accurate. The page also states that Seven Corners, another travel insurance company, handles Tin Leg claims. We were unable to find a statement to this effect on the Tin Leg page, nor did we find any evidence of it elsewhere.

Currently, Squaremouth has a B- rating with the BBB. The page states that is due to a failure to respond to two of the four complaints against the company in the past three years. One complaint is shown as having been closed in the past 12 months.

Squaremouth itself has a long list of reviews for Tin Leg, which makes sense since they also quote other insurance companies and have been in that business for many years before the creation of their own plans. While we normally take any reviews posted on the website of the company itself with a grain of salt, in this case, the reviews do appear to be objective, and the presence of negative reviews indicates that the company is not culling them.

Still, objective review sites are a more reliable source. Unfortunately, we found little that meets that requirement for Tin Leg. This may be due to the relative newness of the company.

The Bottom Line

While Tin Leg advertises their policies as affordable and heavy on the medical coverage, they’re actually in the mid-range in terms of cost, and many companies offer more medical coverage for the same or less money. They appear to have a good reputation, and it is convenient to see other company’s quotes alongside theirs, giving them points for transparency. They do keep the process simple, which may appeal to some travelers. That said, shopping around for rates is recommended to find the best value for your insurance dollar elsewhere.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

6 Comments

  1. Reenie Burnham on May 26, 2020

    Because of the Coronavirus Tin Leg Insurance came up with every excuse not to pay a cent for all countries not letting travelers in or out.

    I lost the cost of my flight and all money I put out for my tour which included my hotels and food plus travel arrangement.

    They would not even give me back the money I paid them to insure me. They are the biggest rip-offs I ever met and never have any intentions of ever paying for anything.

    Shame on them.

    Reply
  2. Horrible company!

    Due to COVID, my tour was canceled and they denied all responsibility for expenses surrounding the trip transportation stating that COVID is not mentioned in their cancellation policy.

    The representative TOLD me to cancel all my flights prior to submitting the claim.

    Otherwise, I may have decided to go ahead with the flights but forgone the tour that was canceled.

    Now I’m out of everything, transportation, tour, and money.

    NEVER use Tin Leg Insurance… Scammers in every way!

    Reply
  3. TIN LEG Really bad company, don’t ever go there.

    They didn’t pay only part of my hospital bills.

    Do Not trust this insurance.

    Look for somewhere else.

    Reply
  4. After we needed to cancel a trip due to my husband’s illness, Tin Leg would not pay for our 1/4 share of a vacation rental that we were sharing with 3 other couples.

    (One of the couples had prepaid for all of us.)

    Their reason was that the unit was used by the others.

    TL did not acknowledge that we were committed to our friends for 1/4 of the cost, despite pages of documents indicating the same.

    They also denied our claim for reimbursement for 1/4 share of an independent tour guide we all hired for the same trip.

    They said any payment arrangements we made with our friends were, essentially, our problem.

    They did pay us for the cost of our bike tour, air expenses, and a non-refundable hotel room we had booked.

    But we will try another company next time.

    Reply
  5. I had Tin Leg insurance for a cruise from Puerto Rico to see real Carribean islands and had “common carrier delay” coverage. Our trip was delayed by 24hours, they would not pay anything because they stated: “you had to be notified of the delay en route to the carrier”. There are so many fine print exclusions, they will probably never pay out a claim.

    Reply
  6. Did everything to avoid paying for a cancelled trip. Asked for impossible to get documents from an airline for a cancelled flight. Loss on Flight alone not paid $8800. Waste of money and TIME.

    Reply

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